Paying For It
Fixed Versus Adjustable Rate Mortgages A big dilemma is whether to choose a fixed-rate mortgage or an adjustable-rate mortgage (ARM). With a fixed-rate mortgage, your monthly payment is set at the...
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Mortgages: Member Guide
It’s smart to shop for financing before you shop for a new house. Pre-qualification can be a valuable negotiating tool, since the seller will know you’ll be able to close on the home quickly. And by...
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Your Net Worth
What is your net worth? Quite simply, it’s what you have minus what you owe, your assets less your liabilities. Your assets include your cash, stocks, bonds, and other investments, including your home,...
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Net Worth: Member Guide
How much are you worth? As a human being, your value is priceless, and has no relation whatsoever to what accountants and bankers call net worth. Net worth is merely a way of calculating where you...
View ArticleTaking Control
Women are born nurturers, and we have a tendency to overextend ourselves emotionally as well as financially when it comes to taking care of loved ones. We too frequently take on the role of caregiver...
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Providing for Your Parents: Member Guide
If you are part of the “sandwich generation”, caught between having to provide for your children’s college education and your parents’ care, while planning your own retirement, you are probably feeling...
View ArticleExploring the Financial World
Every day you are bombarded with a bewildering array of financial and economic information. Reports on such items as the GDP, unemployment rate, consumer price index, and the money supply are...
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Reading the Financial News: Member Guide
We are all members of an intricate financial network that spans the globe, relating gold miners in South Africa to rice farmers in Japan to bankers in Switzerland to restaurant owners in the United...
View ArticleA Step-by-Step Guide to Tying the Knot
Before you tie the knot again, take steps to make sure you’ve finished with old business, set up your new arrangements, and made agreements to handle your financial lives together. Tie Up Loose Ends...
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Remarriage: Member Guide
Love is even lovelier the second time around, and solid financial planning is even more important if you plan to remarry. This time, it’s likely that both of you have accumulated more assets, possibly...
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Easy Retirement Planning
To estimate how much you’ll need in retirement, look at several factors: how early you plan to retire, your longevity (and that of your spouse, if you’re married), the income you will earn in...
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Retirement Planning: Member Guide
Retirement just ain’t what it used to be. Back when a pension was guaranteed, and 65 was “old age”-retirement was a different affair. Now that people, and particularly women, are living into their...
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Start Your Savings Program
Let’s see where you stand on the whole savings issue. How many of these items can you check off? I pay off my credit card balances each month. I have an emergency fund. I set goals and make plans to...
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Saving: Member Guide
Do you show yourself respect with your money? When you pay yourself first, by contributing to your savings, you show yourself respect-that you are at least as important as all of the other people who...
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Determining Your Benefits
The average monthly Social Security check for a woman over 65 is $697– $207 less than a man’s– because women take time out of the workforce to care for families or ailing parents, and often earn lower...
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Social Security: Member Guide
Social Security is one of the more controversial financial questions of our time-will it be there for you, or won’t it? Should it be privatized or not? What happened to the trust fund? Of course,...
View ArticleSearching the Internet
You may be wondering: How the heck do I find what I’m looking for in the vast expanses of cyberspace? How do I tell good quality information from junk? Have no fear, cowgirl! This brief course in...
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Using the Internet for Financial Education: Member Guide
The Electronic Age has created tremendous opportunities for financial education. You can use the Internet to learn about investment options, keep up on the latest financial trends, and improve your...
View ArticleWidowhood Checklist
Whether your husband’s death is expected or sudden, dealing with the details of death is not an easy job. At a time when you feel least able to cope with life, you must often make serious financial...
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Widowhood: Member Guide
Widowhood is a tumultuous experience. At a time you feel least able to cope with life’s challenges, you must often make serious financial decisions that will have a lasting impact on your future...
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Your Money Style Quiz
Take this quiz to see if you are a Hoarder, Avoider or Splurger. Circle the answer that best describes how you feel. The profiles are rendered in the extreme for quick recognition. Nevertheless, you...
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Your Money Style: Member Guide
What’s your money style? Do you save every dime or live it up for today? Do you avoid the topic of money altogether? Are you a Hoarder, Splurger, or Avoider? This Money Zone will help you learn about...
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Financial Generosity: Member Guide
Charity is twice blessed-it blesses the one who gives and the one who receives. Throughout history, women have demonstrated their philanthropic spirit. They have established schools, founded hospitals,...
View ArticleSetting Up Your Budget
This Money Zone covers-no, no, no!-the “B” word that so many of us dread. A budget is a diet for your finances, and who likes to diet? But diet we must, if we want to fit into that swimsuit or achieve...
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Budgeting: Member Guide
This Money Zone covers-no, no, no!-the “B” word that so many of us dread. A budget is a diet for your finances, and who likes to diet? But diet we must, if we want to fit into that swimsuit or achieve...
View ArticleI am Grateful for Everything I Have
I remind myself of everything I already have in my life. I am content with myself, my achievements, my relationships, and my possessions. I allow myself to take a moment to feel grateful for...
View ArticleMy holiday season is filled with joy, hope, love, and prosperity
This December I reflect on my successes and challenges of the past year and I look forward with confidence to the next. I pay attention to what is really important in life: spending time with loved...
View ArticleI Will Have a Happy, Prosperous New Year
Each day this year, I will review my affirmations to create a more prosperous life for my family and myself. I know that by improving my financial life, I create possibility and opportunity in all...
View ArticleLove Brings Me Prosperity Every Day
I experience joy from both love and money. I allow my money to bring me joy, and I allow love to bring me joy. I trust that both love and money are working together for my greatest good. The post Love...
View ArticleSmall Steps To Reduce Credit Card Debt
Start right now Take stock of your situation. Don’t be afraid to look your bills “in the face” and make a list of what you actually owe. Being willing to analyze your situation objectively will make it...
View ArticleSmall Steps for Achieving Your Financial Goals
Brainstorm 10 (small) money dreams that you want to achieve this year. Then choose two or three dreams and figure out what your first step should be to achieve that dream. Pick an attribute you aspire...
View ArticleSmall Steps For Fighting Your Money Fears
Face your fears Write down your worst money fears. Once you have made your list, decide which fears are real, and which fears are beyond your control. Cross out the ones beyond your control. Then you...
View ArticleSmall Steps to Making Your Budget Work
Create a “top-three” priority list. Choose three areas in which you’d like to cut expenses. Write your list in big letters and post it in a prominent place, such as on the refrigerator or on the wall...
View ArticleSmall Steps To Cut Expenses
If you and your spouse both have medical insurance, review your coverage to see if it would be less expensive for both of you to be on the same plan. Let your fingers do the shopping. Look for...
View ArticleSmall Steps to Save Money on Gasoline
Eliminate trunk junk. Hauling extra weight lowers your fuel economy, so slimming down your cargo will help your car go further on less gas. Bunch your trips. Pick up groceries on your way from taking...
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Small Steps to Get Organized
Organize Your Financial records Record your transactions in your check register as soon as possible. Remember to include any debit card fees that may apply. Then store your receipts safely in one place...
View ArticleI Am in Control of My Tax Situation
I take all steps I can to control my taxes and concentrate on building my financial future. I focus on the positive investments I am making in my life and on creating more prosperity in the world. The...
View ArticleI am teaching my money wisdom to my children
I am passing my experience and wisdom down to my children. I am giving them the benefit of my knowledge and insight to help them make wise choices. The post I am teaching my money wisdom to my...
View ArticleI Spend Money on my Joy and Flourishing
I acknowledge the purpose of money in my life and I allow myself to use money wisely to achieve my joy and growth. The post I Spend Money on my Joy and Flourishing appeared first on Money Clubs.
View ArticleI Am Willing To Change to Achieve Financial Freedom
I am creating new habits that lead to financial success. I am letting go of behaviors and ideas that get in the way of prosperity. The post I Am Willing To Change to Achieve Financial Freedom appeared...
View ArticleI am building a nest that is right for me.
I create the living environment that suits my financial situation and provides me with a safe haven from the cares of the world. I create a space that fits my emotional needs and just “feels right.” I...
View ArticleI Am Focusing On My Financial Future
I am letting go of all past worries and concerns and I focus my energy on creating new habits to achieve my greatest good in the future. The post I Am Focusing On My Financial Future appeared first on...
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I am investing in my future
I am preparing for my future and taking care of myself. I know how to manage my own money and use it for my highest good. I am brave and willing to take risks, and I take a long-term view. I am an...
View ArticleI rejoice both in my own and others’ success.
I know that there is plenty for everyone. Others’ success provide inspiration for my own growth. The post I rejoice both in my own and others’ success. appeared first on Money Clubs.
View ArticleMy holiday season is filled with joy, hope, love, and prosperity
This December I reflect on my successes and challenges of the past year and I look forward with confidence to the next. I pay attention to what is really important in life: spending time with loved...
View ArticleI Create Opportunity in All Areas of my Life
Each day this year, I will review my affirmations to create a more prosperous life for my family and myself. I know that by improving my financial life, I create possibility and opportunity in all...
View ArticleMy love and my money are in perfect harmony
I am choosing my partner out of a conscious desire to express my love. I am feeling strong and powerful in my relationship with my beloved and my money. I value the opportunity to share the life I...
View ArticleI am in charge of my own financial destiny.
I have the power to achieve my greatest good in financial matters and I allow myself to achieve my dreams. The post I am in charge of my own financial destiny. appeared first on Money Clubs.
View ArticleIt’s Time to Change Your Money Habits
Here’s How to Do It Are you living from paycheck to paycheck? Do you hate the way your credit card debt keeps creeping up? Do you dream of buying your own home or a new car but don’t think you’ll ever...
View ArticleI Am Facing My Fears and Creating New Dreams
I have the courage to face my fears and make mature choices regarding my financial affairs. I am clearing the way to create new dreams by allowing myself to face my fears. The post I Am Facing My...
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